Editing Consumerium Credit

''This is one of several controversial [[visions]] deserving more exploration as some may conclude they are actually [[best cases]] and worth effort to pursue.''

'''Consumerium Credit''' is an evolved [[Consumerium Buying Network]] based perhaps on the [[Consumerium social club]] (call it '''Consumerium Buying Club''' for now) where everyone participating has a [[Consumerium checker]] that actually provides direct access to the [[medium of exchange]] used to pay.

Basically, you walk into the store with only this one device, receive all the [[Consumerium buying signal]]s you want, obey some, ignore others, and ''either way'' when you want to buy, you just "[[click buy]]" and the transaction is done.  You can walk out the store without even stopping at the checkout, and if anyone stops you they can do a [[spot audit]] to ensure everything is checked - if you doubt you actually swiped everything, go to the [[checkout counter]] as usual, but the payment will still be processed via the '''Consumerium Credit''' system.

This arrangement could set a [[standard]] for [[electronic payment services]] or could just replace them - that is, you could actually be invoking one or more [[debit card]]s or [[credit card]]s or a net-based scheme like [[PayPal]], ''or'', most radically, paying directly via some bank Consumerium has contracted for this purpose, and in which you deposit some of your money.

Advantages of this scheme are significant:  [[user data]] is much more accurate, [[individual buying criteria]] are monitored directly and user data adjusted, [[institutional buying criteria]] can be directly enforced (you simply can't buy what doesn't pass), and such systems as [[RFID]] more or less could be made to work with low [[privacy risk]] (you already [[trust]] Consumerium, so no extra trust is required...) for our users.